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WHAT IS EBLR
Changes in EBLR & MCLR framework, interest rate charging mechanism and how reset dates are decided- RBI proposalRBI MPC policy: The Reserve Bank of India plans to simplify loan interest rate rules for all regulated entities. This initiative aims to ha...- Home loan EMI, amortisation and prepayment- The mathematics every borrower in India must understandUnderstanding home loan mechanics helps borrowers reduce total borrowing costs. The reducing balance method ensures interest decreases as t...
- SBI posts record ₹80,000 crore profit; chairman says NIM has bottomed out, eyes 13–15% loan growth in FY27State Bank of India achieved a record profit exceeding ₹80,000 crore. Despite investor concerns over net interest income and margin, Chairm...
- SBI loan interest rates September 2025: Check State Bank of India’s latest home loan rates, MCLR, EBLR and RLLR hereState Bank of India (SBI) has maintained its key lending rates unchanged for September 2025, including MCLR and external benchmark-linked r...
- Home loan EMIs to fall: Canara Bank, Union Bank, Indian Overseas Bank cut lending rates after RBI repo rate cutFollowing the Reserve Bank of India's repo rate cut, Canara Bank, Union Bank of India, and Indian Overseas Bank have reduced their Repo Lin...
- Interest rates are falling, time to switch your home loan regime: Save above Rs 8 lakh by switching to EBLR; Know howHome loan interest rates are decreasing after the Reserve Bank of India repo rate cut. Borrowers can save money by switching to the Externa...
- SBI lending rates March 2025: Check the latest MCLR, base rate, and home loan interest ratesThe State Bank of India (SBI) has announced unchanged marginal cost of funds-based lending rates (MCLR) for various loan tenures effective ...
- Home loan EMIs of this public sector bank to change from March 1, 2025 as it cuts its EBLR and hikes MCLRLower home loan EMI: Equated Monthly Installment (EMI) of home loan borrowers to fall as this public sector bank has reduced the external b...
- ET EXPLAINER: What are MCLR Rates?MCLR is the minimum interest rate, or the floor rate, that banks can charge on loans. MCLR rates are not linked to external benchmarks like...
- Good news for SBI home loan borrowers: EMIs to fall as the bank reduces the lending ratesState Bank of India (SBI) has reduced its External Benchmark-based Lending Rate (EBLR) and Repo Linked Lending Rate (RLLR) by 25 basis poin...
- SBI hikes loan interest rates by 5 bps on these tenures; Check latest State Bank of India loan ratesThe State Bank of India (SBI) has increased the marginal cost of funds-based lending rate (MCLR) by 5 basis points (bps) as of July 15, 202...
- Costlier retail loans subsidising advances to corporate borrowersAnd as it did through 2022, banks were quick to charge retail borrowers more on loans for buying cars, homes or vacations. By contrast, the...
- Hike in MCLR home loan interest rates has been lesser than EBLR loans; How long should borrowers stick to MCLR regime?MCLR home loan borrowers have been better off as the MCLR has gone up by lesser amount that the hike which EBLR home loan have witnessed si...
- Canara Bank revises home loan, other loan interest rates: Check latest interest rateCanara Bank revised its Repo Linked Lending Rate (RLLR) and Marginal Cost of Funds Based Lending Rate (MCFLR) (MCLR). The new interest rate...
- SBI increases home loan, car loan, personal loan interest ratesThe State Bank of India (SBI) has raised loan interest rates namely MCLR, EBLR, RLLR following the 25 basis point increase in the repo rate...
- These banks have hiked home loan interest rates in last one monthSeveral banks, including SBI, ICICI Bank, Bank of Baroda, Canara Bank, and PNB, have raised their loan interest rates.
- ICICI Bank hikes home loan interest rates; this is how much your EMIs will increaseICICI hiked the ICICI Bank External Benchmark Lending Rate (I-EBLR) to 9.10% p.a.p.m. effective from August 5, 2022. The announcement was m...
- Pass-through of rate hikes to lift bank margins sharplyEBLR is linked to the RBI's repo rate. The other system used by banks to determine the rates, Marginal Cost of Funds Based Lending Rate (MC...
- SBI hikes interest rates of repo rate linked home loansSBI has increased its home loan external benchmark lending rate (EBLR) to 7.05 percent, while the RLLR will be 6.65 percent +CRP. According...
- SBI hikes its best home loan interest rate from 6.7% to 6.95%According to SBI’s website, home loans are available at 40bps above the external benchmark-linked rate (EBLR). The EBLR, which is linked to...
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